NT stamp duty
First Home Buyer Stamp Duty: NT
Funds to complete
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Funds to complete
$128,459
Loan $440,000 · LVR 80%. No LMI typically.
20% deposit needs $82,500 more cash today than 5% Scheme.
- Deposit (20%)
- $110,000
- Stamp duty
- $28,129
- Government fees
- $330
- Transfer
- $165
- Mortgage registration
- $165
- FHOG grant
- - $10,000
NT price lines
$200,000 of room before the 5% Scheme cap ($750k).
Same price, every state
NSW needs $18,085 less cash than NT.
Why these numbers
- Live-in + FHB: 5% Deposit Scheme path is available when within the price cap.
- New dwelling would change FHOG credit by +$40,000.
- 5% Scheme: cash $45,959 (−$82,500 vs current) · LVR 95% · no LMI typically
- 10% + LMI: cash $73,459 (−$55,000 vs current) · LVR 90% · LMI typically applies
- FHOG: NT: $50k HomeGrown grant for new builds (until Sep 2027); $10k for established · credit $10,000
NT: no FHB stamp duty concession (HomeGrown grant is separate)
LVR ≤ 80% — LMI not typically required.
Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.
Settlement cash checklist
Prefills duty and fees from the estimate. Tick what you will fund in cash, edit soft costs, and aim for cleared funds before settlement. Not a conveyancer statement.
- $110,000
- $28,129
- $165
- $165
LMI not typically required at this LVR / scheme path.
- − $10,000
Grant timing varies. Confirm with your conveyancer before you rely on it at settlement.
Cleared funds target
$133,959
Confirm the cleared-funds date with your conveyancer and lender. Adjustments and rates can move after exchange.
Keep a copy
Download a one-page PDF, or email it to yourself. This is not a broker lead form.
Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.
Tool page for NT first-home estimates. At a $550,000 owner-occupied purchase, modelled stamp duty is $28,129; funds to complete at 20% deposit are about $128,459. The decision briefing lives on the NT learn hub. Do not treat this page as the article.
NT duty is a formula, not a bracket table — and there is no FHB duty concession in this engine. Read the Northern Territory learn hub.
Estimate at median price
- Property value
- $550,000
- Deposit (20%)
- $110,000
- Stamp duty
- $28,129
- Government fees
- $330
- Funds to complete (20%)
- $128,459
- At 10% deposit
- $73,459 · LMI typically applies
NT: no FHB stamp duty concession (HomeGrown grant is separate)
Official sources
Use these sites to confirm duty, grants and scheme eligibility for your contract. DutyStack models common residential paths for education; the revenue office assessment wins.
- NSW — Revenue NSW
- VIC — State Revenue Office Victoria
- QLD — Queensland Revenue Office
- WA — Department of Finance (RevenueWA)
- SA — RevenueSA
- TAS — State Revenue Office Tasmania
- ACT — ACT Revenue Office
- NT — Territory Revenue Office
- Home Guarantee Scheme — Housing Australia
Methodology: How it works. Corrections: Contact.